Sunday, September 8, 2013

Animals are much like humans, they do get sick, injured, and can get life threatening diseases. The only difference is they can't communicate with us their needs when they don't feel good. Once we do take them to the veterinarian, the diagnosis along with the associated bill can be SHOCKING!

Investing in pet health insurance for your pets is a great way to protect your pets from accidents and illness but also protect your finances and stress level. What exactly is pet health insurance?

It is health insurance for your pet that is available through many prominent insurance companies. Not only is it available through insurance companies, you might be able to insure your pet through your work.

What you are looking for in any insurance policy is coverage. You want to make sure you have adequate coverage in the policy. What is adequate pet health care coverage? Adequate coverage is making sure your policy has the right dollar amount of coverage along with the right type of coverage for your pets.

There are a few factors that affect pet health care coverage. Some of these include type of animal you want to insure, the breed of the animal, the geographic location of the animal, and mostly the dollar amount of coverage desired.

Why does the type of animal have an affect your pets insurance coverage? Dogs tend to cost more to insure than cats. Dogs are more prone to accidents than cats, but also some breeds of dogs have heredity defects that increase their cost to insure. Exotic pets like snakes, monkeys, ferrets have higher insurance costs because they are not typical pets.

The breed of the animal affects the coverage your animal will receive because some breeds have hereditary or genetic defects that occur quite often. These conditions will increase the cost of your coverage.

The location of which you live such as a city versus rural environment will have an affect your pet's coverage because of the population and increased risk of accidents. Where your animal lives like being indoors or outdoors will also affect your coverage.

The largest and most significant factor in pet health care coverage is cost. What do you intend to spend to adequately cover your animal? Paying larger premiums for your pet health care coverage will give you more coverage for your animal than a smaller monthly premium.

Just like our houses, cars, and jewelry, our animals deserve some kind of pet health care coverage. They are a part of your family and deserve the same as everyone else. Save money on your veterinary costs and give yourself peace of mind with quality pet health care coverage.